Get help every step of the way with these groundbreaking loans.
At cfsbank, we created the Owner Builder Mortgage for people just like you – folks who want to build their own home from the ground up. Thanks to many years of advising, directing and problem solving with owner/builders, we’ve developed relationships with a majority of local home building vendors. Count on us for all the support you need with these innovative loans. You’ll get help from planning and building to finishing and beyond.
* Must be a Pennsylvania Resident
Owner Builder Mortgage
| Terms | Down payment equity | Rate** | Points | APR* |
|---|---|---|---|---|
| 15 Year | 20% | 6.375% | 1.5 | 7.220% |
| 20 Year | 20% | 6.625% | 1.5 | 7.318% |
| 30 Year | 20% | 6.875% | 1.5 | 7.421% |
* Annual Percentage Rate
** Best rate available at cfsbank.
Above APR’s assume a $100,000 loan amount for term stated. Monthly payment example: 360 monthly payments of $6.57 per $1,000 borrowed at 6.875% Interest Rate with a corresponding 7.421% APR.
* Must be a Pennsylvania Resident
| Terms | Down payment equity | Rate | Points | APR* | Discount Rate** | Discount Points | Discount APR* |
|---|---|---|---|---|---|---|---|
| 15 Year | 5% | 6.125% | 0 | 6.598% | 5.875% | 0.5 | 6.421% |
| 20 Year | 5% | 6.375% | 0 | 6.762% | 6.125% | 0.5 | 6.571% |
| 30 Year | 5% | 6.625% | 0 | 6.929% | 6.375% | 0.5 | 6.722% |
* Annual Percentage Rate
** Best rate available at cfsbank; credit history may affect your interest rate/APR.
Above APR’s assume a $100,000 loan amount for term stated with maximum LTV of 85%. Monthly payment example: 360 monthly payments of $6.40 per $1,000 borrowed at 6.625% Interest Rate with a corresponding 6.929% APR.